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to be true claims coming out of charles schwab. the next guest says that the free etf trading is going to cost you. chuck, welcome back to the show. chuck is from marketwatch. what is going on here? i thought everything was easy pc, no extra fees, and you are saying that that is not true? >> it might be if it happens with the etf that you want in the program. even then, we will have to see whether they wind up paying expenses. so if you get into a situation where a company says two charles schwab, we have to participate, a company, if they raise their expense ratio to help make up for the money that they are getting from them, you're going to pay and higher expensess at some point, you have to figure that you are going to pay at. gerri: okay, so the promise of charles schwab's plan has to do with a pool of etf's that they can choose from. it is highly likely that you -- the etf that you want owners not even in the screw? >> welcome you could get something close to it, or you could get it in a way that not is the way we think of the s&p 500. instead of getting the most popular etf, you
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. next time he tells you about a brand new retirement plan from charles schwab unveiled in 2012. one year later it was not everything it was promised. stay with us. ♪ all stations come over to mission a for a final go. this is for real this time. step seven point two one two. rify and lock. command is locked. five seconds. three, two, one. standing by for capture. the most innovative software on the planet... dragon is captured. is connecting today's leading companies to places beyond it. siemens. answers. ♪ gerri: a major cost-cutting retirement move could tack on six figures to your final estate the most bang for your buck and 60 seconds. ♪ ♪ gerri: well, if you 110 add six figures to your retirement, listen up. charles schwab of index fund retirement plan is designed to lower investment costs and simplify investing. it is now one-year-old, so we are checking back in to see the results. joining me now, head of schwab retirement plan. thank you for coming on. that at year. i want to start with how we kind of messed this all up because so many people are disappointed in their reti
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